Before you all start getting (more) defensive, I was not suggesting that the functionality be removed, merely the terminology and the need to maintain two separate funds; one "balance" and one "goodybag"

I understand that people need the features, but the fact that I still have the majority of the balance which I originally added years ago proves the point. We should be paying in one place which allows/deducts charges for the appropriate function INCLUDING overseas usage and, well, everything !

Conversely to discover that one cannot make a call to a premium or other number when one has an active goodybag isn't ideal either. Similarly, if one has a "balance" but have ran out of "goodybag" then the remaining "balance" will be burned through in no time.